Electronic Services Privacy Statement
(for Website, E-Mail Notifications, E-Statements, Automatic Dialing Service, Internet Banking (BFCULive), Text Messaging, Text Banking, Mobile Banking, Mobile App, and Bill Payment Services)
Relationships are built on trust. One of the most important elements of trust is respect for an individual's privacy. Border Federal Credit Union (BFCU) values its relationship with you, and we take your personal privacy seriously. We are committed to ensuring that users of BFCU’s Website, E-Mail Notifications, E-Statements, Automatic Dialing Service, Internet Banking (BFCULive), Text Messaging, Text Banking, Mobile Banking, Mobile App, and Bill Payment Services’ understand BFCU’s privacy practices. This Privacy Statement will outline 1) what personal information may be collected, 2) how that personal information may be utilized, 3) who may have access to the personal information and 4) how the personal information is protected within the secure infrastructure of this website. This Privacy Statement applies to BFCU’s Website, E-Mail Notifications, E-Statements, Automatic Dialing Service, Internet Banking (BFCULive), Text Messaging, Text Banking, Mobile Banking, Mobile App, Bill Payment Services and the information collected.
If you have questions or concerns about this Privacy Statement, you should first contact Border Federal Credit Union, Attention: Member Services, PO Box 420728, Del Rio TX 78842-0728.
Commitment to Confidentiality
Confidentiality is a top priority at Border FCU. We are committed to maintaining the highest level of confidentiality with all of the information we receive from this website's users. This Privacy Statement assures you that the information you share with BFCU is kept confidential and fully secure.
Links to other websites may be available to provide you with additional useful information and services. Links that take you off this website are clearly labeled. BFCU is not responsible for the privacy policies or actions of those who control other websites. We encourage you to look for and review the privacy policies of any website you visit.
We may also partner with third parties to provide links to third-party websites to offer you additional information and services. You may see both the BFCU logo and the third party's logo on these third- party websites. You should be aware of who is collecting personal data before providing personal information on these third party websites. BFCU does not have control over third-party partners' use of your information.
Collection and Use of Personal Information
Users of this website have the option to provide certain personal information. This personal information may be required in order to receive specific services. By providing such information, you are agreeing that BFCU may store, process, and review such information. And we may use this personal information for the purpose for which it was collected.
We may collect certain personally identifiable information from our users at different places within this website. Our definition of personally identifiable information includes any information that may be used to specifically identify or contact you, such as your name, address, telephone number, cellular phone number, text message number, fax number, e-mail address, etc. Certain information may not be personally identifiable when standing alone (e.g., your age), but may become so when combined with other information (e.g., your age and address).
BFCU Members have the ability to register to access for secure electronic services. The purpose of the registration process is to verify and validate who is requesting access to the secured data. Registration also enables us to tailor the information you receive.
We may use the voluntarily provided contact information to notify website users of updates to existing products and services, new products and services, or upcoming events. Website users who do not wish to receive such notifications via e-mail or SMS (text) can choose to opt-out. It is our policy that e-mail and SMS (text) messages will contain an "unsubscribe" and "STOP" function, along with instructions on how to execute the opt-out function.
Website users may opt-out of receiving e-mail and SMS (text) messages by updating their communications preferences at BFCU's internet banking (BFCULive) website.
After completing the log in process, website users have the option to change their password, e-mail address and security question and response. If the website user forgets or misplaces their password, BFCU will use the security question and response to identify the website user and grant access to the website. To change personally identifiable information, registered members must contact the appropriate BFCU Member Services representative listed on the Contact BFCU section of the website.
We recognize that when website users choose to provide personal information, they trust that we will protect their privacy and will provide them with choices about how that information is to be shared. BFCU will not sell, trade, rent or disclose the personal information that you provide unless you authorize us to do so or required to do so by law.
There are instances in which BFCU may disclose website user's personal information to our agents, third-party partners, and affiliates to enable them to perform functions on our behalf. These companies are only permitted to share, store and/or use personal information for contracted business purposes.
We may share your personal information when we believe that such action is necessary to: 1) fulfill an enforceable government request; 2) conform with the requirements of the law or legal process; 3) protect or defend our legal rights or property, this website, or other users; or 4) protect your health and safety or the health and safety of this website's users or the general public.
Technology used on this website
Information about you and your use of this website is collected through the use of session and persistent cookies. Session cookies are small text files that are stored within your computer’s memory. These files are used to facilitate your navigation throughout this website.
Persistent cookies are small computer files that are transferred to your computer's hard drive. These stored files are used in the generation of data that is fed to a contracted third party for website usage analysis. Reports created using this information will provide BFCU with a better understanding of the use of this website.
BFCU may work with third party service providers who may place third party persistent cookies, web beacons, or similar technologies on your computer as a visitor to our website to collect anonymous information about the use of our websites. This information allows these third party service providers to customize our content and advertising. We have no control over companies collecting any personal information about you using these technologies.
If you are concerned about the storage and use of cookies, you may be able to direct your Internet browser to notify you and seek approval whenever a cookie is being sent to your hard drive. You may also delete a cookie manually from your hard drive through your Internet browser or other programs. You can also set your browser to refuse all cookies. Please note, however, that some parts of this website may not function properly or be available to you if you refuse to accept a cookie or choose to disable the acceptance of cookies.
To gauge the effectiveness of this website, we may collect non-personal information about our website users. This information may include, among other things, your: IP address, browser type, internet service provider (ISP), domain names, referring/exit pages, operating system, date/time stamp, and clickstream data. We may use this information, which does not identify individual users, to analyze trends, to administer the website, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically collected data to personal information.
Our mobile application may collect additional information such as Device type, Device OS version, Device name, API method, etc. We may use this information to administer the application and to analyze application trends. Geo-location data includes zip code entered by the user for use within the optional functions.
Internal security procedures
Information that you share on the website is kept strictly confidential and fully secure. Your encrypted (encoded) information is protected using "Secure Socket Layers (SSL)" as it passes between your browser and this website. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.
No method of transmission over the Internet, or method of electronic storage, is 100% secure. We strive to use commercially acceptable means to protect your personal information and cannot guarantee its absolute security. Only authorized persons are permitted to access your personal information. All authorized persons must abide by security, privacy, and confidentiality agreements.
If you send questions or comments to an e-mail address listed within this website or via a contact form located within this website, we will share your correspondence with an associate most capable of addressing your questions and concerns. We will retain your communications until we have done our very best to provide you with a complete and satisfactory response. Ultimately, we will either discard your communication or, in some cases, archive it. All information and correspondence you share with us will be handled in the strictest confidence.
We may agree that e-mail has become a standard communication tool used by many different parties. Unfortunately, by design standard Internet e-mail is not secure. For that reason, please do not use unsecured e-mail to communicate information to us that you may consider to be confidential. Use only the secured messaging available within the secured area of this website for confidential communication. Once you successfully log in, you may be able to use this feature to communicate confidential or private information to BFCU.
Children's privacy
This website is not intended for use by children under the age of 18.
Internet Privacy Statement changes
This Internet Privacy Statement is not intended to and does not create any contractual or other legal rights with or on behalf of any party.
If we decide to change this website's privacy practices, we will update those changes to this Privacy Statement, BFCU’s website, and other places that we deem appropriate so that you are aware of what information is being collected, how the information is being used, and under what circumstances, if any, the information may be disclosed. BFCU reserves the right to modify this Privacy Statement at any time, so please review it frequently.
More information
This website is maintained by Border Federal Credit Union, 2211 N Bedell Ave, Del Rio, TX 78840.
